Do you seek financial wellbeing? Last time I talked about the income side of your budget. Now let’s continue with the expenses side of your budget.

Before you start make sure you have your file of bills paid.

As I said last time, you should start with an annual budget, and break it down later to a monthly budget. Be aware that you will have expenses that are paid yearly, quarterly, monthly and weekly. There will be other outlays by cash or card that you might make on an ad hoc basis (e.g. personal items or eating out)